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IRA Accounts

Individual Retirement Accounts Comparison Chart
   
IRA
Money Market
(Details)
  
IRA
Certificate of Deposit
 (Details)
 
Minimum Opening Deposit
$100
$500
Interest
Compounds Monthly
(Interest Rates)
Term from 12 to 60 Months
Compounds Quarterly
(Interest Rates)
Monthly Service Fee
None
None
Statements
Monthly
Quarterly
Withdrawals
$25 Fee for withdrawals that are not redeposited into another HPB IRA
Penalty may be imposed for early withdrawal
Info Now
Yes
Yes
Free Online Banking
Yes
Yes
FDIC Insured
FDIC insurance coverage up to the maximum amount permitted by law.
FDIC insurance coverage up to the maximum amount permitted by law.
Extra Features
Direct deposits accepted
  

 

 

Individual Retirement Account Details

  • IRA Money Market
  • IRA Certificate of Deposit

IRA Money Market

  • $100 minimum opening deposit and balance requirement
  • No maturity date
  • Earn a competitive, variable rate of interest
  • Interest compounds monthly
  • Make additional contributions at any time and in any amount
  • Direct deposits accepted
  • A $25 fee will be charged for any withdrawal not redeposited into another Hickory Point Bank IRA Account
  • Online Banking
  • FDIC insurance coverage up to the maximum amount permitted by law

IRA Certificate of Deposit

  • $500 minimum opening deposit and balance requirement
  • Terms from 12 months to 60 months
  • Earn a competitive rate of interest
  • Interest compounds quarterly
  • Penalty may be imposed for early withdrawal
  • Online Banking
  • FDIC insurance coverage up to the maximum amount permitted by law
Today's current rates.
Money Market IRA
Minimum Opening Deposit Interest RateAPY
$100.00.25%.25%
IRA Certificate of Deposit
Minimum Opening DepositTermInterest RateAPY
$500.001 Year.45%.45%
18 Months.60%.60%
2 Years.75%.75%
3 Years1.05%1.05%
5 Years1.65%1.66%


Consult a personal banker for more information.
 

Hickory Point Bank and Trust reserves the right to change the interest rates on all accounts.

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